Mayon 360 RUN!! Albay 80km

Are your Ready for this?

Mayon 360° Route Map w/ Locations of Water/Aids Station

Mayon 360° 2013 Albay 80 km Ultramarathon on 6 April 2013 only Albay Philippines



M360.FAQ#1 s.2013: THE PIONEERS

M360.FAQ#2 s.2013: 2012 PARTICIPANTS

M360.FAQ#3 s.2013: CUT-OFF TIME

M360.FAQ#4 s.2013: MOBILE SHOWER

M360.FAQ#5 s.2013: AGE DOESNT MATTER

M360.FAQ#6 s.2013: Aid Stations

M360.FAQ#7 s.2013: All in One 

M360.FAQ#8 s.2013: How Long?

M360.FAQ#9 s.2013: Distance between Aid/Water Stations

M360.FAQ#10 s.2013: DOT Recognition

M360.FAQ#11 s.2013: Genesis

M360.FAQ#12 s.2013: Hit the Road

M360.FAQ#13 s.2013: GIRL POWER!

M360.FAQ#14 s.2013: REGISTRATION DETAILS

M360.FAQ#15 s.2013: ACCOMMODATION OPTIONS

M360.FAQ#16 s.2013: Slots Reservation

M360.FAQ#17 s.2013: Prizes

For More info: Please visit: Mayon 360

Read Race Director @Jovie Narcise (Bald Runner) ’s blog about
the first Mayon 360° here:

FLASHBAK
Mayon 360° 2012
April 21, 2012

Complete List of Finishers, previous legs 2012 
Complete List of Finishers, previous legs 2011
Photos by J. Avellanosa Photography

*photos presented are wholly own by respected owners and not the author of this blog.

BDO UITF

UITF or Unit Investment Trust Fund. 
Many investment gurus consider pooled funds like the UITFs as one of the most practical vehicles for growing your investments. However, it is important that Client Investment Suitability Assessments show that you are qualified to invest in these pooled funds. Once qualified, the next step is to ascertain that you are comfortable with your choice of UITF investment. This article will help you choose the right UITF investment for you.

Your choice should conform to the length of time you can afford to keep your funds invested and the amount of risk that you are willing to take in order to achieve your desired returns. Generally, funds that are invested for shorter periods yield lower returns and are less volatile or risky. On the other hand, funds that are invested for longer periods achieve higher returns but because of the tenor, such investments are more exposed to volatility, hence more risky.

BDO UITFs in the Risk-Time Horizon Ladder

This investment truth is clearly seen in the above table which presents an investment ladder that shows the position of each of the BDO UITFs in terms of increasing degree of investment risks taken and the recommended time horizon for each fund. Note that the performances of BDO UITFs since inception have been true to their investment objective, with each classification of funds delivering yields commensurate to time invested and risks taken since their inception dates. 

The BDO Money Market Funds occupy the lowest step of the ladder as these funds are offered primarily for risk-averse individuals and corporate investors. The short time horizon of the funds gives returns relatively on the low-side but are relatively higher than those of savings and time deposit accounts.

BDO Peso Money Market Fund’s Compounded Annual Growth Rate (CAGR) since inception stood at 4.71%, beating the CAGR of its benchmark 91-Day T-Bill. The same is also true for the BDO Dollar Money Market Fund with CAGR of 3.50%, higher than the 0.63% CAGR of its benchmark Bloomberg Philippine US$ Savings Rate. In order to minimize risks and maximize earning potential, participants of these funds are recommended to stay invested for at least six (6) months.

The Bond Funds (BDO Peso Bond Fund, BDO Dollar Bond Fund, BDO Peso Fixed Income Fund, BDO GS Fund, and BDO Medium Term Dollar Bond Fund) are developed for investors who are risk tolerant and who have longer investment time horizons. These funds are more volatile but posted higher returns as compared to money market funds because of the tenor.

Participants of BDO Peso Balanced Fund and BDO Equity Fund, the funds with the highest level of risk and longest time horizon and occupying the highest steps of the ladder, are recommended to stay invested for more than three (3) years in order to minimize risk and maximize earning potentials. These funds are suitable for risk-taking individuals or corporate investors who seek potentially higher returns through stock market investments but are also aware of the possibility of capital losses that such investments may entail. These funds posted a CAGR since inception of 13.80% and 20.18%, respectively, the two highest among all BDO UITFs. 

The performances of the different UITFs, as measured by the average annual compounded returns since their inception dates, lend credence to the investment principle that the key to investing is time.

Consider your time horizon
Given this investment insight, here is what BDO Trust has to say. If you wish to earn the highest returns, do so by investing in riskier funds, and to actually attain such returns, you must be prepared to remain invested for longer periods of time as this enables you to weather temporary volatilities that may occur along the way. These funds include equity and balanced funds such as the BDO Equity Fund and BDO Peso Balanced Fund. Also included are the intermediate-term bonds (BDO Peso Bond Fund and BDO Dollar Bond Fund) as well as medium term bonds (BDO Peso Fixed Income Fund, BDO GS Fund and BDO Medium Term Dollar Bond Fund). 

However, if you can keep your money invested only for a short period of time, it is best that you put your money in low-risk funds such as the BDO Peso Money Market Fund and BDO Dollar Money Market Fund, as these will provide you liquidity and above average returns compared to regular time deposits.

But keep in mind that investing too conservatively over the long term is also risky because your money may not grow enough to achieve your goal (e.g. retirement savings), especially when you consider that inflation erodes your purchasing power over time. If you have longer time horizon, you may increase the growth of your savings by investing in longer tenor bonds, equities, or both.

Thus, when you are aware of the investment principle that the key to investing is time, there will be no investment surprises.

Review your risk tolerance
Your ability to tolerate risk may also change over time, and you should take this into account when you predict the growth of your portfolio. Most young participants are able to invest in funds with higher level of risk. But it is highly recommend that all UITF investors should regularly update (at least every three years) their Client Suitability Assessment as their time horizon shortens or as other life circumstances make it more important to have a steady fund balance (for example, you could be getting married, having children, sending them to school, growing a business or planning to retire). You need to continuously review your financial goals and make sure you are on the track where you want to go.

*Yields as of 12/28/12 are compounded Annual Growth rates since inception of the funds; historical investment performance presented above are purely for reference purpose only and not guarantee of similar future returns. 

For this type of investment are readily available in all BDO Branches nationwide u can ask BDO marketing managers in a branch discuss everything you want to know about this investment. for more information u can visit www.bdo.com.ph 

Disclaimer: Information presented are for educational purposes only and not guaranteed for high returns. Remember the higher the returns the higher the risk.  Aral muna bagu invest "~Aya Laraya"

RAFFLES AND FAIRMONT MAKATI OFFICIALLY OPENS ITS DOORS

The Raffles and Fairmont Makati opened its doors with official ribbon cuttings at each entrance on December 3, 2012. The launching of these two globally renowned luxury hotel brands is a significant milestone for the tourism industry as well as for the country. A striking 30-floor tower at the center of Ayala land’s prestigious new development is home to the 32 all-suite Raffles Makati, 280 room Fairmont Makati, and 237 Raffles Residences. All restaurants in the complex are open to guests from both hotels. These are: Spectrum, an all-day dining restaurant; pastry boutique Café Macaron; the iconic Long Bar as well as two lounges. Other recreational facilities include the Willow Stream Spa, Fitness Centre and two outdoor swimming pools.

Security Cameras that captures good thing.

It feels great when u see act of GOD Act of every single kindness to everyone. 

TANDUAY 2013-Calendar (KC Conception)

Jeepneys Art Festival: Philippines

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Meanwhile, Metropolitan Manila Development Authority general manager Corazon T. Jimenez said that while it is necessary to revive the jeepney as both a tourist and industrial venture, it is equally important to have disciplined and law-abiding drivers to create a positive outlook not just to the jeepneys themselves but also to Metro Manila as well.

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Tourism assistant secretary Domingo Ramon C. Enerio III raised the important role of jeepneys in Philippine tourism, stressing that it offers a unique experience to tourists which cannot be found in any other country.

via interaksyon.com

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The jeepney, being the primary mode of transportation in the Philippines, has undergone a lot of incarnations. In this photo, the version uses bus-type seats and airconditioning to give the tourists a comfortable ride while experiencing the uniqueness of jeepneys

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According to Clang Garcia, Managing Director of Jeepney Arts Festival, the Philippine jeepney industry has been suffering from the negative imagery attached to it and a number of workshops have been closing over the past years, including the iconic Sarao motors, which is known for its colorful jeepneys and the famous horse on top of their hoods.

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“The jeepney is an icon. But the jeepney art is alr

eady dying, and I’ve been thinking of the best way to promote it. We’re in the tourism group so we have to move the people around and I thought of jeepney as our official transportation,” Garcia said. She also said that a ride with the jeepney across key tourist destinations will promote a positive vibe to the jeepney.

Furthermore, she said that the jeep, being an image of the Filipino spirit, also reflects how we deal with situations and ordeals.

“If you go back to the history of Philippine jeepney, it came during WWII. Due to Filipino inguenuity and artistry, we managed to develop it and survive even the war so we were able to come up with something from scratch,” she said. She also mentioned that it is a product of the country’s “ingenuity, artistry, resiliency, and entrepreneurship.

The Mayon Volcano in Albay

Different Festivals in the Philippines. " Moriones Festival in MARINDUQUE during Holy Week Celebration

A proud icon of Filipino "carabaw" 

Photo Credits to the owner.

The Other Kind of Smart Harvey Deutschendorf Download Free Pdf

The Other Kind of Smart

Title: The Other Kind of Smart By Harvey Deutschendorf

Description: That it was our cognitive intelligence, or IQ, that determined how well we would do in life. Yet, our common sense and simple power of observation tells us that this simply cannot be the case—that there must be more to success than how well we do in exams at school. In Successful Intelligence, Robert Sternberg looks at the case of two Yale graduates and how they fared in the real world. Penn was brilliant in his classes and creative, being able to come up with ideas of his own.

He was, strictly in academic terms, the best to come out of Yale. There was only one problem, Penn was quite arrogant and almost completely lacking in practical skills. Even though Penn was interviewed by all of the top companies, his arrogance assured that he wasn’t called back with job offers. His only offer came from a second-rate company where he lasted for only three years. On the other hand, Penn’s roommate Matt was not as strong academically but had a great deal of social intelligence. Matt received seven offers from eight interviews. Although not brilliant, he has been a reliable performer and his social skills have allowed his career to flourish.

Size: 1 MB

No. of Pages: 225

Type: Text Oriented

Download Link: dringem@gmail.com